Investor Presentaiton
Rescheduled Loans for the Cyprus operations
Rescheduled Loans by customer type (€ bn)
Rescheduled Loans (€ bn)
■Retail housing ■Retail consumer ■SMES
Corporate
8,4
8,2
7,4
1,7
1,7
5,7
1,5
0,6
8.394
0,6
0,5
1,3
1,8
1,7
1,5
0,4
1,1
3,9
4,3
4,2
2,9
31.12.14
31.03.15
30.06.15
30.09.15
885
-453
-512
8.209
-105
Rescheduled Rescheduling
Loans during 3Q2015
30.06.2015
Already
classified
rescheduled
Loans no
longer
classified
rescheduled
Other
adjustment
Rescheduled
Loans
30.09.2015
Rescheduled loans % gross loans¹ by customer type
31.12.14 31.03.15 ■ 30.06.15 ■30.09.15
43%42%
40%40%
38%
39%38%
34%
34%
29%
29%
24%
26%26%
22%
17%
•
Taking into account only the loans restructured post 31
March 2014, for the Cyprus operations the percentage
of rescheduled loans with no arrears increases to 67%
Higher rescheduling activity observed in corporate (42%
at 30 September 2015 compared to 43% at 30 June
2015) followed by Retail housing rescheduling activity of
40% and SMEs rescheduling of 38%
Corporate
SMES
Retail housing Retail Consumer
1 Before fair value adjustment on initial recognition relating to loans acquired from Laiki Bank (difference between the outstanding
contractual amount and the fair value of loans acquired) amounting to €1,266 mn for gross loans and to €548 mn for rescheduled loans
(compared to €1,351 mn and €611 mn respectively at 30 June 2015), including loans of discontinued operations/disposal group held for sale.
Bank of Cyprus
55
KOINO
WKYNРIW
2235View entire presentation